Lionel (@market_maestro_865) en getquin

3Semana·

I need your opinion

I am currently in $AEEM (+0,21 %) and in $IWDA (+0,02 %) but I'm worried about the current topics that they will go over the year 25 in the basement!

I currently have a small sum that I would like to invest again but I'm worried about continuing to invest in the two etfs as I might have to touch the money again at the end of 2025!

Question:

Do you think the two remain safe?
Are there better investments for my situation?
How do you think the current situation (wars, Trump etc.) will affect the stock markets?

Thank you very much ✨

6 Comentarios

Zackdela79@Zackdela79

3Semana

If you might need the money at the end of 25, any ETF is definitely the wrong investment. That leaves you with overnight money and that's it.

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Korrekturensohn@Korrekturensohn

3Semana

Market timing should not play a role in long-term ETF investing - and ETFs are not really suitable for anything else. If you feel uncomfortable investing all at once, make a savings plan. There is hardly a more solid and diversified investment than a mix of MSCI World and EM. I do expect corrections in the short to medium term. However, this will mainly affect tech stocks. China - like Europe - is super cheaply valued. It is unlikely that the USA and the rest of the world will continue to diverge as they have done so far. That's why I'm thinking about overweighting China. But that's all speculation.

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Dominik@Dominik_76

3Semana

The recommended investment horizon for broadly diversified etf such as Msci World and EM is at least 5 years, preferably 15 or longer. This is different for thematic ETFs that speculate on specific sectors. It just depends on your strategy, whether you speculate in the short term and use market timing or buy and hold with rebalancing in the long term. With b&h, Trump wouldn't matter anyway, because it shouldn't matter what the price of your etf is tomorrow or next week or next year. Then you have to rely on the global economy continuing to develop in the long term as it has so far, with certain dips that you have to sit out in the expectation of statistically achieving 6 to 9% returns per year. Otherwise, you are left with partial investment and the rest savings rates or reducing the risk portion of the portfolio.

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Manuele@yby

3Semana

I don't think these are the right questions to consider: what is the B plan, if not this? if it's keeping the liquidity on a bank account whatever happens in future (trump, market etc) will anyhow affect it, plus the inflation will erode it. If it's going stock picking of course the reward might be higher but the risk too and, again, what will happens in the world will affect it. So what's better? it's on you but for sure any choice brings risks linked to the future evolution of the market. I'd suggest to list the different options, evaluate risk/reward ratio, consider the right timeline and choose the best option :)

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